It was mentioned on another thread by the OP that a lot of us are not telling the condition we keep the firearm in a when in that role. I believe a lot of us are not up for full disclosure at times. Especially on a public forum where something that is now public *might* be used in a lawsuit in the future. Imagine how you would feel if after an incident you were in a court battle and their lawyer pulled up a post from many years past saying that you used the most lethal bullets you could find and was ready to "use them with the slightest provocation to KILL that idiot!" I am sure that would help you out.
Now, I am a firefighter and know a loaded chamber will cook off and possibly hurt somebody in a fire. I will for the OP clarify my previous answer.
So I use a semi auto within reach at night and leave the chamber empty--safety off. Same with the long guns. Racking the slide is not all that hard if you train to always do it that way when in bed and you need your handgun. Using a revolver instead? Then this is impossible unless you leave a round out which makes little sense IMHO. YMMV